Incorrect totals at purchase time

testing purchasing on my site. I select a $8 item in a product page, calculate shipping which comes to $8.99 and adds a processing charge of $0.99, total $17.98. I proceed to checkout, hit Pay using Credit Card and I see 1 item listed in my cart for $13.04 with shipping again at $8.99 and no processing fee, total $22.03.

Any ideas what's going on?
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